Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$128,553Cash toward the purchase price.
Closing costs + prepaids$10,070Not just lender fees.
Before credits & paid funds$138,623The complete starting cash picture.
Estimated remaining funds due at closing
$138,623No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,553.28
Your down payment$128,553.28
Closing costs + prepaids$10,070.19
Total buyer cash needed$138,623.47
Remaining funds due$138,623.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,950.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$879.00
Prepaid interest, first (1 days)$16.19
Fees + prepaids$10,070.19
Your down payment is the seller’s equity. You take over the $166,447 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $138,623.47 is due at closing. Uses and sources reconcile at $305,070.19 each. Not a Closing Disclosure.